Dodge Journey Insurance Rates

Estimated insurance rates for a Dodge Journey are $1,284 a year for full coverage insurance. Comprehensive costs an estimated $250, collision costs $424, and liability coverage is estimated at $452. A policy with only liability insurance costs approximately $504 a year, with a high-risk policy costing around $2,778. Teenage drivers pay the most at $4,918 a year or more.

Average premium for full coverage: $1,284

Premium estimates broken down by type of coverage:

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all Journey models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates how location impacts insurance prices.

These rate differences illustrate why everyone should get quotes for a targeted area and risk profile, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below illustrates estimated Dodge Journey insurance rates for other coverage scenarios.

• The best discount rate is $748
• Choosing higher $1,000 deductibles can save approximately $152 each year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,284
• Using pricier low deductibles for comp and collision coverage will increase the cost to $1,580
• Drivers who are prone to accidents and violations could pay up to $2,778 or more
• An auto insurance policy for full coverage for a teenage driver for full coverage can cost as much as $4,918 each year

View Chart as Image

Car insurance prices for a Dodge Journey also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged at least $4,900 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Dodge Journey insurance rates. A good driver about age 40 could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,730 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $450 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,500 to $2,100 extra annually, depending on your age. Dodge Journey insurance for high-risk drivers ranges around 43% to 130% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Cheapest Dodge Journey Insurance

Finding better rates on auto insurance takes being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Spend time shopping around at every other renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a recap of the concepts that were touched on above.

• Drivers that have major violations or accidents pay on average $1,490 more annually than a low-risk driver
• Youthful drivers have the highest car insurance prices, with premiums being up to $410 per month if full coverage is included
• It is possible to save approximately $150 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $450 each year
• It is possible to save approximately $150 per year simply by quoting online well ahead of the renewal date